Certified Credit & Finance Analyst (CCFA)

The Certified Credit and Finance Analyst (CCFA) program is meticulously designed to equip individuals with a comprehensive skill set and profound knowledge required to excel in the specialized field of credit analysis and finance. By immersing participants in a curriculum that covers the foundations of credit analysis, financial statement analysis, credit assessment, loan evaluation, portfolio management, advanced credit analysis, and emerging trends, this program ensures that graduates are well-prepared to thrive in roles that demand in-depth financial analysis and strategic decision-making.

Certification Program Objectives: 

Upon completing the Certified Credit and Finance Analyst (CCFA) program, participants will be able to:

  • Master the foundations of credit analysis and financial statements: Develop a solid understanding of credit analysis principles and financial statements, enabling you to interpret financial data and evaluate creditworthiness effectively.
  • Excel in financial statement analysis and credit assessment: Hone your skills in analyzing financial statements, assessing the credit risk of individuals and businesses, and making informed lending decisions.
  • Navigate loan evaluation, decision, and portfolio management: Gain proficiency in evaluating loan applications, making credit decisions, and managing credit portfolios to optimize risk and return.
  • Delve into advanced credit analysis and emerging trends: Acquire expertise in advanced credit analysis techniques, including industry-specific considerations and macroeconomic trends that influence credit risk. Stay updated on emerging trends in the credit and finance landscape.

Certification Requirements:

  • Bachelor’s Degree


  • 2 – 5 years of relevant work experience

Certifying Examination:

  • To be certified as CCFA, student should take up a 1.5 hours online exam conducted by AIBM.
  • The qualifying exam would consist of 50 multiple choice questions, testing core certification modules.
  • Professionals with relevant experience and other qualifying criteria may be exempted from the examination.

Certification Modules:

  • Module 1: Financial Statement Analysis
  • Module 2: Credit Risk Assessment
  • Module 3: Loan Structuring and Documentation
  • Module 4: Corporate Finance Principles
  • Module 5: Credit Risk Management
  • Module 6: Regulatory Compliance in Finance

* The modules of the certification are constantly updated and are subject to change.

Who Should Do This Certification:

The Certified Credit and Finance Analyst (CCFA) certification is ideal for professionals seeking to excel in the specialized field of credit analysis and finance. This certification holds substantial value for a diverse range of individuals, including:

  • Credit Analysts: Those aiming to enhance their credit analysis skills and strategies for evaluating credit risk, assessing financial statements, and making informed lending decisions.
  • Financial Analysts: Individuals keen on expanding their expertise in financial statement analysis, credit assessment, and risk management within the context of lending.
  • Loan Officers: Professionals seeking to sharpen their skills in loan evaluation, decision-making, and portfolio management, while staying attuned to emerging trends in the credit industry.
  • Risk Managers: Those interested in refining their proficiency in credit risk management, portfolio optimization, and advanced credit analysis techniques.
  • Banking and Finance Professionals: Individuals responsible for lending operations and financial decision-making within financial institutions, who recognize the importance of comprehensive credit analysis.
  • Aspiring Credit Analysts: Those on the path to entering the world of credit analysis, seeking to gain comprehensive insights into the core principles and advanced practices within the field.

Evaluate your career aspirations, your current skill set, and the trajectory you envision for your professional journey to determine if the CCFA certification aligns harmoniously with your ambitions for success in the specialized domain of credit analysis and finance.